As a DeFi enthusiast, I joined Huma Finance's Huma 2.0 in 2025 and experienced a truly barrier-free PayFi earning platform. Huma 2.0 allows me to easily participate in global payment financing and obtain stable returns through decentralized liquidity pools and flexible earning models. Huma 2.0 launched on Solana in April 2024, allowing anyone to participate as a liquidity provider (LP) without KYC/KYB. Web information shows that Huma 2.0's TVL reached 136 million USD, with an annual income of 17 million USD.
I deposited 1,000 USDC into the Classic Mode liquidity pool through the Huma dApp, earning approximately 10% APR over 30 days, with a yield of about 8 USDC and gas fees of only $0.001. Compared to traditional DeFi protocols like Aave with 5-7% APR, Huma 2.0 offers more attractive returns. Huma 2.0 provides both Classic and Maxi modes. The Classic Mode balances stable returns and Huma Feathers rewards, while I chose the Maxi Mode to maximize rewards, earning an additional 50 units of Feathers during testing, which can be exchanged for NFTs or used for governance voting.
The platform supports flexible lock-up periods (no lock-up or 3/6 months), and I chose no lock-up, allowing me to withdraw funds at any time, with the operation taking less than 5 seconds. The dApp interface of Huma 2.0 supports Chinese, is intuitive and easy to use, and after connecting via MetaMask, I can view earning data in real-time.
However, the complex earning calculations may confuse newcomers, and it is recommended to add visual tutorials. Huma collaborates with Jia to provide loans for small businesses in emerging markets, and I participated in a loan pool that funded retailers in Southeast Asia, experiencing the social impact of Web3. Market fluctuations may affect returns, and it is suggested to optimize risk management tools. Huma 2.0 offers ordinary users the opportunity to participate in PayFi through decentralized earnings and flexible models, and my experience proves it is becoming a pioneer in decentralized earnings.@Huma Finance 🟣 #HumaFinance
